Eliminating sneaky expenses During a cost of living crisis, many of us look for obvious ways to cut expenses, like cancelling streaming services, dining out less, and skipping extras in our shopping baskets. But what about the less obvious ways? Sneaky fees and charges can increase our day-to-day living expenses
Active or Index Funds: What’s Your Best Bet? Ever glanced at a list of different managed funds and wondered why some have remarkably low fees compared to others? Chances are, the ones with lower fees are index funds, also known as passive funds. Over the last couple of decades, index
Market crashes: The good, the bad and the ugly Just as night follows day, it seems part of the regular cycle of the world’s share markets that downturns and falling prices follow good times and rising prices. The impact of the COVID-19 Global Pandemic was typical of such downturns, prompting
The Wealth of Gold: Investing in a Timeless Asset As investors navigate through unpredictable and volatile economic times, it is essential to consider asset classes that can provide a level of stability and protection against market fluctuations. One such asset that has stood the test of time is gold. For
Making Christmas a time of joy for you It seems to arrive earlier and earlier every year. Just when you thought Christmas was only weeks ago, suddenly it’s only weeks away! While children count down the days, Christmas for many adults can be a difficult time. The stress involved in
6 steps to a sustainable Christmas Just as the Grinch stole Christmas, excess spending can rob us all of yuletide happiness. Seasonal credit card splurges can create ballooning long term debt, while unnecessary consumption inevitably leads to a blow-out in rubbish bin waste. The Commonwealth Bank of Australia estimates $11
Tapping into your home’s equity Retirees feeling the pinch of higher living costs, are reluctantly making difficult decisions as they draw dangerously close to outliving their retirement savings. A 2021 report released by the Association of Superannuation Funds of Australia (ASFA) found that 90% of Australians who died aged over
Downsize your home, upsize your super Over 55? Thinking of selling your home? Since 1st July 2018 you may be eligible to contribute up to $300,000 ($600,000 for a couple) from the proceeds of the sale of your home to your superannuation fund. This incentive, known as the ‘downsizer contribution’,
Why financial success isn’t just a numbers game! Money, finances, investments… it is easy to see why, logically, financial success could be considered a numbers game. However, real financial success requires much more than just numbers that work. It also requires passion, interest, determination, commitment,